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Car dealer insurance

Protect your automotive business with custom covers designed for the New Zealand motor trades industry.

                              0800 376 304

What insurance do car dealers need to consider?

From home garages to showrooms to warehouses – no matter where you operate, your car dealership is exposed to a variety of risks.

To ensure you’ve got the right protection in place, it’s critical to consider comprehensive business insurance with customised coverage.

At Marsh, we can set the wheels in motion by arranging the insurance you need to safeguard your business against unforeseen loss, damages and accidents. 

What's covered?

  • Commercial property

    Minimum conditions may apply.  

  • Business interruption

    Minimum conditions may apply.

  • Composite motor

    Covers your stock of vehicles and owned vehicles as a blanket motor cover for testing or commuting. Other conditions may apply, eg coverage specific to location. 

  • Public liability and professional indemnity limits to fit your business

    The limit of liability is the maximum amount that can be provided under the insurance policy. 

  • Money cover

    Minimum conditions may apply. 

  • Glass cover

    Minimum conditions may apply. 

Additional cover we can arrange

Product and services

Business interruption

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Request a call back

Product and services

Motor vehicle insurance 

Help protect your business against financial loss if damage or an accident occurs. Let us arrange a motor trade policy tailored to you. 

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Product and services

Commercial property cover

Your property is your responsibility – but mishaps don’t have to cost you. Let us help protect your assets with personalised cover.


Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers has spent years at the forefront, supporting business owners to manage their unique risks in a fast-changing market. Our brokers keep ahead of the latest market insights, both local and global, and break down complex terminology. 

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

30+ years in your industry

Our dedicated brokers have been supporting New Zealand motor trade clients for more than 30 years – so we understand your unique risk needs.

Consistent and competitive

Marsh brokers use their expertise to find the right cover at the right price – so we can help you get the best deal possible, every time.

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year at the New Zealand Insurance Industry Awards.   

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price. 

female insurance broker talking to clients

Frequently asked questions

Whether you sell used cars or new cars, run a booming business or a small-scale operation, you are probably:

  • Leasing property lots

  • Housing valuable motor vehicles

  • Interacting with customers regularly.

And that means you’re exposed to various risks on the daily. Risks such as vehicle theft, property damage, or accidents involving a customer.

If those risks eventuate, they could lead to revenue loss, business interruption, or significant legal costs.

That’s why you should consider getting the appropriate insurance cover: as an important preventative measure against bumps on the road ahead.

The cost of your insurance will depend on several factors – including your business size, revenue and services provided.  

You can request a call back to speak to a Marsh advisor for a clearer picture. 

Yes. If your business meets certain criteria, we can arrange monthly instalments* through premium funders.  

To request monthly payments, please contact our team. 

You can learn more about premium funding here

Yes. We can arrange cover that extends to cars, trucks, motorcycles and more.

Get in touch with our Motor Trades team for further guidance.


At Marsh, we understand that every car dealership is different. That’s why we'll tailor your policy to your requirements – so you get the best insurance solution for your business.

Related insurance solutions

slected option

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Management liability

Help protect your business – and your team – against management and operational risks with management liability cover. 


Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry. 


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Accidents happen – even to experienced electricians. Let us arrange your insurance to help keep you safe from losses and liabilities.

Mechanic insurance

There’s no quick fix for financial losses. Get coverage for accidents, errors or negligence with insurance arranged by Marsh. 


Tyre dealer insurance

Damage, theft and defective tyres can bog any tyre business. Keep the wheels spinning with insurance arranged by Marsh.

LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.